Which SBI Credit Card is the Best ? The Good, the Bad and the Ugly

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When it comes to the credit cards, no one can deny that SBI is one of the top best credit cards provider. SBI offers wide range of credit cards with great benefits, discounts and deals. SBI Credit Card, each designed to suit your financial needs or specific requirements – Whether it is Shopping, dining, travel or movies etc. Provide you with the maximum benefits in the form of rewards, cashback, and a lot more.

Read about PNB Credit Card :- Best PNB Credit Cards | Annual Fee, Key Features, and More

SBI offer their credit cards in 5 category :-

In this article we will learn about benefits, rewards, cashback, limits and charges of top best sbi credit cards in every category.

SHOPPING CARDS

SimplyCLICK SBI Card :-

  • On joining – amazon Gift Card worth Rs.500.
  • Rewards point – 10X on online spends with exclusive partners (Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap) and 5X on all other online spends.
  • 1% fuel surcharge waiver.
  • E-vouchers – worth Rs.2000 on annual online spends of Rs.1 Lakh and Rs.2 Lakhs each.
  • Contactless Technology – Simply wave your card at a secured reader and transaction is done.
  • Worldwide Acceptance – domestic as well as international.

Fee and Charges:-

SimplyCLICK SBI Card Charges
Joining Fee (one time) Rs. 499
Renewal Fee (per annum) Rs. 499 ( Reversed if annual spends for last year >= Rs.1,00,000 )
Card Replacement Rs. 100
Interest free credit period 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 12,000 per day.
Finance charges Up to 3.35% per month, accounting to 40.2% per annum.

 

SBISimplySAVE SBI Card :-

  • 2,000 bonus reward points if you spend of Rs. 2,000 in first 60 days.
  • Rewards point – 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery, and 1 Reward Point per Rs 100 other online spends. (4 Reward Points = Rs. 1)
  • 1% fuel surcharge waiver.
  • Contactless Technology.
  • Worldwide Acceptance.

fee and charges are almost same as SimpleCLICK SBI Card :-

SBISimplySAVE SBI Card Charges
Joining Fee (one time) Rs. 499
Renewal Fee (per annum) Rs. 499 ( Reversed if annual spends for last year >= Rs.1,00,000 )
Card Replacement Rs. 100
Interest free credit period 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 12,000 per day.
Finance charges Up to 3.35% per month, accounting to 40.2% per annum.

 

SBI Card Unnati :-

  • Free for first 4 years.
  • 1 Reward Point per Rs.100 spent.
  • Rs.500 cashback on annual spends of Rs.50,000.
  • 1% fuel surcharge waiver.
  • Contactless Technology.
  • Worldwide Acceptance.
SBI Card Unnati Charges
Joining Fee (First 4 years) Nil
Renewal Fee ( 5th year onwards ) Rs. 499
Card Replacement Rs. 100
Interest free credit period 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 12,000 per day.
Finance charges Up to 2.50% per month, accounting to 30% per annum.

 

Other credit cards in this category are :-

CARDS Joining Fee (one time) Renewal Fee (per annum) Key Features

Central SBI Select+ Card

Rs. 2999 Rs. 2999
  • Welcome benefits worth Rs. 5000
  • 20 Select Points per Rs.100 spent at any Central store.
  • 10 Select Points per Rs.100 spent on Dining & Movies
  • 2 Select Points per Rs.100 on other retail spends (Non-Fuel).
  • 1 Select Point = Rs. 0.25

Central SBI Select Card

Rs. 750 Rs. 750
  • Welcome benefits worth Rs. 1,500
  • 10 Select Points per Rs. 100 spent at any Central store
  • 5 Select Points per Rs. 100 spent on Dining & Movies
  • 1 Select Point per Rs. 100 on other retail spends (Non fuel)
  • 1 Select Point = Rs. 0.25

STYLEUP Contactless Card

Rs. 499 Rs. 499
  • Welcome gift of Rs. 500 worth fbb gift voucher.
  • Flat 10% Discount on all at fbb & Big Bazaar Stores.
  • 10X Reward Points on Big Bazaar, fbb & Dining.

Capital First SBI Card

Rs. 499 Rs. 499
  • 2,000 bonus reward points on spends of Rs. 2,000 in first 60 days.
  • 10 Reward Points per Rs.100 spent on Dining, Movies, electronics Spends. 1 Reward Point On all your other spends.

SimplyCLICK Advantage SBI Card

Rs. 499 Rs. 499
  • On joining – Amazon.in Gift Card worth Rs. 500.
  • 10X Reward Points on online spends with exclusive partners. and 5X Reward Points on online spends.

SimplySAVE Advantage SBI Card

Rs. 499 Rs. 499
  • 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores and Grocery.
  • 4 Reward Points = Rs. 1

 

REWARD CARDS

SBI Card PRIME :-

  • Welcome e-Gift Voucher worth Rs. 3,000 on joining
  • 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores and Movies. 15 Reward Points per Rs. 100 spent on BigBasket. 20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments.
  • Complimentary International and Domestic Airport Lounge access.
  • Contactless Technology.
  • Worldwide Acceptance.
SBI Card PRIME  Charges
Joining Fee (one time) Rs. 2999
Renewal Fee (per annum) Rs. 2999
Card Replacement Rs. 100
Interest free credit period 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 15,000 per day.
Finance charges Up to 3.35% per month, accounting to 40.2% per annum.

 

Other credit cards in this category are :-

CARDS Joining Fee (one time) Renewal Fee (per annum) Key Features

Apollo SBI Card

Rs. 499 Rs. 499
  • 10% Instant Discount at Select Apollo Services.
  • 3X Reward Points on every Rs. 100 spent on all Apollo services. 1 RP = 1 Rs.

SBI Card PRIME Advantage

Rs. 2,999 Rs. 2,999
  • 10 Reward Points per Rs.100 spent on Dining,Groceries, Departmental stores and Movies.

Tata Platinum Card

Rs. 2,999 Rs. 2,999
  • Welcome and anniversary gift voucher upto Rs. 3,000 from popular brands.
  • 3X Reward Points on Departmental Stores, Dining, Grocery and International spends
Tata Titanium Card

Rs. 499 Rs. 499
  • 500 Empower points on spends of Rs. 2,000 in first 60 days
  • Up to 5% Value back on spends on Tata Outlets.
  • 3X Points on Departmental and Grocery stores.

LIFESTYLE CARDS

SBI Card ELITE :-

  • On joining – Welcome e-Gift Voucher worth Rs. 5,000.
  • Movie Tickets worth Rs. 6,000 every year.
  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year.
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs.
  • 5X Reward Points on Dining, Departmental stores and Grocery, and 2 Reward Points per Rs. 100 on all other spends, except fuel.
  • Complimentary International and Domestic Airport Lounge access.
  • 1% fuel surcharge waiver.
  • Contactless Technology.
  • Worldwide Acceptance.
SBI Card ELITE  Charges
Joining Fee (one time) Rs. 4999
Renewal Fee (per annum) Rs. 4999
Card Replacement Rs. 100
Interest free credit period 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 15,000 per day.
Finance charges Up to 3.35% per month, accounting to 40.2% per annum.

 

Other credit cards in this category are :-

CARDS Joining Fee (one time) Renewal Fee (per annum) Key Features
Doctor’s SBI Card (in association with IMA)

Rs. 1,499 Rs. 1,499
  • Professional Indemnity Insurance cover of Rs. 10 Lakhs. Reimburse all Legal & defense costs, out-of-court settlement expenses and court awards
  • 5X Reward Points on Medical Supplies, Travel Bookings, International Spends and on Doctors’ Day.
SBI Card ELITE Advantage

Rs. 4,999 Rs. 4,999
  • On joining – Welcome e-Gift Voucher worth Rs. 5,000.
  • Get free movie tickets worth Rs. 6,000 every year.
  • 5X Reward Points on Dining, Departmental stores and Grocery and 2 Reward Points per Rs. 100 on all other spends.
 Doctor’s SBI Card

 Rs. 1,499  Rs. 1,499
  • Professional Indemnity Insurance cover of Rs. 10 Lakhs. Reimburse all Legal & defense costs, out-of-court settlement expenses and court awards.
  • 5X Reward Points on Medical Supplies, Travel Bookings, International Spends and on Doctors’ Day.

 

TRAVEL AND FUEL CARDS

 

CARDS Joining Fee (one time) Renewal Fee (per annum) Key Features
BPCL SBI Card

Rs. 499 Rs. 499
  • 13X Reward Points on fuel purchases at BPCL petrol pumps. 4.25% Value bacK.
  • 2,000 Activation Bonus Reward Points worth Rs.500 as a welcome gift.
  • 5X Reward Points on every Rs.100 spent at Groceries, Departmental stores, Movies, Dining & Utility bill.
Yatra SBI Card

Rs. 499 Rs. 499
  • On joining – Yatra.com vouchers worth Rs. 8,250.
  • Rs. 1,000 Off on Domestic Flight Booking, Rs. 4,000 Off on International Flight Booking and 20% Off on Domestic Hotel Bookings.
Air India SBI Signature Card

Rs. 4999 Rs. 4999
  • On joining – 20,000 Reward Points.
  • Upto 30 Reward Points for every Rs. 100 spent on Air India tickets.
  • Card Anniversary gift 5,000 Reward Points every year.
  • International and Domestic Airport Lounge access.
  • 1% fuel surcharge waiver across all petrol pumps.
Air India SBI Platinum Card

Rs. 1499 Rs. 1499
  • On joining – 5,000 Reward Points.
  • Upto 15 Reward Points for every Rs. 100 spent on Air India tickets.
  • Card Anniversary gift 2,000 Reward Points every year.
  • International and Domestic Airport Lounge access.
  • 1% fuel surcharge waiver across all petrol pumps.
Chennai Metro SBI Card

Rs. 499 Rs. 499
  • 2000 Bonus Cash Points on spends of Rs. 2000 within first 60 days.
  • 10 X Rewards on Dining, Movies, Departmental and Grocery and 1 Reward Point per Rs. 100 spent on other categories.
  • 1% fuel surcharge waiver across all petrol pumps.
Mumbai Metro SBI Card

Rs. 499 Rs. 499
  • 2000 Bonus reward points on spends of Rs. 2,000 within first 60 days.
  • Preloaded – Rs 50 ( Mumbai Metro travel only.)
  • 10X Reward Points and get upto 20% discount on Mumbai Metro travel, 10X Rewards on Auto Top up spends.
  • 10 Reward Points per Rs 100 spent on Dining, Movies, Grocery and Departmental and 1 Reward Point per Rs 100 spent on other categories.
IRCTC SBI Platinum Card

Rs. 500
Rs. 300
  • 350 bonus Reward Points on activation. ( on single transaction of Rs. 500 or more within 45 days )
  • Upto 10% Reward Points for railway ticket purchases.
  • 1 Reward point for every other Rs. 125 spent.
  • 1.8% transaction charges discount, on railway ticket bookings on irctc.co.in.
  • 1% fuel surcharge waiver across all petrol pumps.

 

 

BANKING PARTNERSHIP CARDS

CARDS Joining Fee (one time) Renewal Fee (per annum)
Karnataka Bank SBI Platinum Credit Card Rs. 2999 Rs. 2999
Karnataka Bank SBI SimplySAVE Card Rs. 499 Rs. 499
South Indian Bank SBI Platinum Credit Card Rs. 2999 Rs. 2999
South Indian Bank Simply Save SBI Card Rs. 499 Rs. 499
Lakshmi Vilas Bank SBI Platinum Credit Card Rs. 2999 Rs. 2999
Lakshmi Vilas Bank SBI SimplySAVE Credit Card Rs. 499 Rs. 499
Federal Bank SBI Platinum Credit Card Rs. 2999 Rs. 2999
Federal Bank SBI Credit Card Rs. 499 Rs. 499
Karur Vysya Bank SBI Signature Card
Rs. 4999 Rs. 4999
Karur Vysya Bank SBI Platinum Credit Card Rs. 2999 Rs. 2999
Karur Vysya Bank SBI Card Rs. 499 Rs. 499
Oriental Bank of Commerce SBI Platinum Credit Card Rs. 2999 Rs. 2999
Oriental Bank of Commerce SBI Card Rs. 499 Rs. 499
Bank of Maharashtra SBI Platinum Credit Card Rs. 2999 Rs. 2999
Bank Of Maharashtra SBI Card Rs. 499 Rs. 499

 

 

 SOURCE :- www.sbicard.com

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